scholarly journals Bank Credit Strategy Model Based on AHP-Fuzzy Comprehensive Evaluation

2021 ◽  
Vol 7 (1) ◽  
pp. 22
Author(s):  
Zhongbin Fang ◽  
Hongru Fan ◽  
Haoxin Huang ◽  
Yuhan Zhuang ◽  
Jia Ji ◽  
...  

Credit risk control and credit strategy formulation of medium and micro enterprises have always been important strategic issues faced by commercial banks. Banks usually make corporate loan policies based on the credit degree, the information of trading bills and the relationship of supply-demand chain of the enterprise. In this paper, we established the AHP-Fuzzy comprehensive evaluation model for quantifying enterprise credit risk. Based on the relevant data of 123 enterprises with credit records, the credit strategy is formulated according to the three indicators of enterprise strength, enterprise reputation and stability of supply-demand relationship. This paper also combines the credit reputation, credit risk and supply and demand stability rating in order to establish the bank credit strategic planning model to decide whether to lend or not and the lending order. The conclusion shows that, under the condition of constant total loan amount, the enterprises with the highest credit rating should be given priority. Then, combined with the change of customer turnover rate with interest rate, we take the bank's maximize expected income as objective to calculate the optimal loan interest rate of different customer groups.

2010 ◽  
Vol 113-116 ◽  
pp. 488-494 ◽  
Author(s):  
Yue Jian Wang ◽  
Guang Yang ◽  
Hai Liang Xu

The water resources carrying capacity is an important component of natural resource carrying capacity in a country or region sustained development process. It is the key being related to using the water resources reasonably, which means vital to the sustained growth of the water resources, the social economy and the ecological environment concordant development.Taking the case of river basin in arid zone of the Manasi River Basin,The author evaluated water resources supporting capacity condition basin in different year of the Manasi River by establishing fuzzy comprehensive evaluation model. The results indicated that because of saving water technological progress and industry restructure advancement, the water resources carrying capacity of Manasi River will be improved in the future twenty years. The water resources supply and demand contradictory will be obtained certain alleviation, but the uneven of water resources space and time distribution is still the main restrictive factor of the development of society and economic and the ecological environment construction.


2020 ◽  
Vol 12 (5) ◽  
pp. 2102
Author(s):  
Zhiqiang Liu ◽  
Hejun Liang ◽  
Dongping Pu ◽  
Fei Xie ◽  
E Zhang ◽  
...  

As one of the most important grain protection policies in China, the minimum purchase price policy prevents the fluctuation of grain output and protects the interests of farmers by regulating the prices of major grain varieties. For developing countries with a shortage of agricultural resources, represented by China, an in-depth study on the implementation effect and public satisfaction of this policy is of great significance for promoting the sustainable development of the grain industry. Based on the interest demands of the government, farmers, grain enterprises and consumers, this paper constructs a policy satisfaction evaluation model based on the Analytic Hierarchy Process and Fuzzy Comprehensive Evaluation. The research shows that the implementation effect of this policy has promoted the sustainable development of China’s grain in four aspects: improving farmers’ enthusiasm for planting, optimizing the structure of supply and demand, reducing the adverse impact of disasters, and ensuring the steady increase of output. However, due to the differences in natural resources and folk customs, the implementation effect of this policy varies in different regions.


2018 ◽  
pp. 172-182 ◽  
Author(s):  
Shengmin CAO

This paper mainly studies the application of intelligent lighting control system in different sports events in large sports competition venues. We take the Xiantao Stadium, a large­scale sports competition venue in Zaozhuang City, Shandong Province as an example, to study its intelligent lighting control system. In this paper, the PID (proportion – integral – derivative) incremental control model and the Karatsuba multiplication model are used, and the intelligent lighting control system is designed and implemented by multi­level fuzzy comprehensive evaluation model. Finally, the paper evaluates the actual effect of the intelligent lighting control system. The research shows that the intelligent lighting control system designed in this paper can accurately control the lighting of different sports in large stadiums. The research in this paper has important practical significance for the planning and design of large­scale sports competition venues.


2013 ◽  
Vol 756-759 ◽  
pp. 715-719
Author(s):  
Huan Cheng Zhang ◽  
Ya Feng Yang ◽  
Feng Li ◽  
Li Nan Shi

In the College, performance evaluation system is directly related to the harmonious development of the school. Taking into account the factors in the evaluation system is fuzzy, so this paper uses fuzzy comprehensive evaluation model. But the model is too subjective, so this paper combines neural network and data envelopment analysis method, which ensures that fuzzy comprehensive evaluation model is reasonable and scientific, and good school development and teacher self-interest. The performance assessment process, not only enables the combination of qualitative and quantitative analysis, but also fair and reasonably reflect the achievements of teachers, while this method is easy to use, wide application, and can be well applied in practice.


Author(s):  
Wang Yuansheng ◽  
Zhang Ying ◽  
Guo Xinyao

At present, various public emergencies occur frequently around the world, and the world has entered the stage of a “high-risk society”. Urban community as the carrier of all kinds of public emergencies, its role has become increasingly prominent and become the focus of the current research, but in the urban community emergency management capacity evaluation system, the related studies are still less. To more effectively identify the key internal and external factors that affect the emergency management ability of the urban community, and evaluate scientifically and effectively, on the basis of the existing studies, the evaluation index system of community emergency management capability was established according to the emergency management cycle theory. In view of the complexity and fuzziness of the emergency management capability of the urban community, a multi-layer fuzzy comprehensive evaluation model based on entropy weight was established, and the emergency management capability evaluation of community was carried out under the background of the public emergency event of COVID-19 epidemic. The results show that the evaluation results and improvement suggestions of the multi-layer fuzzy comprehensive evaluation model based on entropy weight are consistent with the actual situation, indicating that the index system and the selected method are reasonable and effective. This study provides a new decision-making idea and method for the evaluation of urban community emergency management capability, and has high application value.


2020 ◽  
pp. 275-348
Author(s):  
Terence M. Yhip ◽  
Bijan M. D. Alagheband

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